About us
About Your Mortgage Broker Berowra
Your Mortgage Broker Berowra is a mortgage broking business serving Berowra and the wider Hornsby Shire bushland, built on one idea: a brand with no trading history earns trust by disclosing everything, licence numbers, commissions, fees and process, in writing.
Why We Started a Broking Business in Berowra
Too many borrowers in Berowra meet a lender's policy before they meet a person who can actually read their file, and the suburb's established mortgages, with nearly half its dwellings being paid off, deserve structural advice rather than any product pitch.
Who You Actually Deal With
Here is who fronts this business, in full, with nothing hidden behind a brand name:
The Broker on File
The broker on file is Your Mortgage Broker Berowra, who fronts every file personally and specialises in the refinancing, equity and self-employed lending work that this bushland suburb actually generates, staying with your file from the first call right through to settlement.
Local Case Experience
Local experience matters here because Berowra's lending is mostly about established mortgages, with nearly half the dwellings being paid off, so the recent work is refinancing, equity release and upgrades, not simple first purchases, and the case history reflects that.
Direct Access, No Handoff
You get the broker's direct number, not a call centre queue, because files die waiting on hold, so every client deals with the same person from strategy call to settlement, and questions get answered by whoever actually knows the file.
How We Get Paid, in Plain English
Nobody ranking on these search results explains broker remuneration honestly, so here it is, including the parts that are uncomfortable:
Upfront commission
Trail commission
Cost to you
When a fee applies
One thing worth naming rather than denying: commission levels vary a little between lenders, which is a genuine conflict of interest. The answer is not to pretend it away but to put the reasoning behind every recommendation in writing, showing which lenders were considered and why the recommended one won, so you can test the logic yourself.
Is it worth using a broker at all? For straightforward files with a strong deposit and simple income, a bank can do the job fine, and we will say so. For everything else, the value is credit policy knowledge and presentation, and the honest trade-off is that any panel, however wide, is still not every lender in the market, so we tell you when a lender outside it fits your situation better.
Our Licence and Accreditations
Every number below is a placeholder pending confirmation, and once confirmed, each one is verifiable on public registers, because a licence you cannot check is a claim, not a credential:
The Licensing Framework
Credit assistance in Australia sits under the National Consumer Credit Protection Act, and this business operates as a credit representative under an Australian Credit Licence, which means the same responsible lending obligations and documentation requirements apply to every file lodged.
Credit Representative Authorisation
Authorisation comes through [LICENSEE NAME], Australian Credit Licence 389328, with Your Mortgage Broker Berowra operating as credit representative 370592, a structure you can verify yourself on ASIC's public registers, because every number on this page is fully checkable rather than decorative.
Licensed and Accountable
Our accountability rests on licensing. We operate as a credit representative, with the representative number and Australian Credit Licence published in the footer. The same broker handles your file from first call to settlement, and fees are disclosed in writing.
AFCA Membership
Complaints escalate to the Australian Financial Complaints Authority, the free external dispute resolution scheme covering all credit assistance, which can order outcomes binding on the licensee, meaning you never need a lawyer to make a complaint stick against this business.
How We Work With You
Every Your Mortgage Broker Berowra engagement starts with a strategy call, moves to a written options shortlist with worked numbers, then a managed application and a post-settlement review, with timelines published up front so you can hold us to them.
Where we work
Areas We Service
Most of our lending work sits within a short drive of the Berowra railway line, covering Berowra Heights, Cowan, Brooklyn, Cottage Point and Berrilee, with each suburb page carrying the local housing and lending detail.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Berowra?
Your Mortgage Broker Berowra owns and runs the business, operating as credit representative 370592 under [LICENSEE NAME]'s Australian Credit Licence 389328, and fronts every client file personally rather than delegating to staff you never meet.
Are you licensed to arrange home loans?
Yes. Your Mortgage Broker Berowra operates as credit representative 370592, authorised under Australian Credit Licence 389328 held by [LICENSEE NAME], and the full disclosure sits in the Credit Guide you receive before any application is lodged.
How do you get paid if I don't pay a fee?
In most cases the lender pays us an upfront commission when the loan settles and an ongoing trail commission while it runs, and neither comes from your pocket nor changes what the lender offers you.
Do you get paid more for recommending certain lenders?
Sometimes, slightly, and we say so plainly: commission levels vary a little between lenders, which is a real conflict, so every recommendation comes with written reasoning and the commission figures disclosed before you sign anything.
What happens if I have a complaint?
Raise it with us first and it goes to [LICENSEE NAME]'s internal complaints process; if unresolved, you can take it free of charge to the Australian Financial Complaints Authority, whose determinations bind the licensee.
How many lenders can you actually access?
A panel covering major banks, smaller banks and non-bank lenders, listed in full in the Credit Guide, and we will tell you honestly if a lender outside it suits you better.
Mortgage broker for Berowra and the suburbs around it
Get in Touch
Call (02) 9072 0640 for a no-cost, no-obligation conversation about a Berowra home loan, whether you are refinancing an established mortgage, releasing equity or buying your first place, and get straight answers on borrowing capacity, fees and next steps.